Your Wexford Community Credit Union membership opens the door to great rates, friendly service and the assurance of doing business with a dedicated community partner.

We are committed to providing you with the excellent service and attention you deserve.

Below you will find links to many WCCU forms that are downloadable for your convenience. Please note that these forms must be presented at a branch for processing, as we do not allow for electronic transmission of your information to ensure your protection.

Having a lending partner you know and trust is very important to establish a good financial relationship. If you have a question or a concern regarding your Wexford Community Credit Union Loan, you may call our office and talk directly to a Loan Officer. We service all of our loans locally.

Advantages

For your protection, Credit Life/Disability Insurance is available for a low cost*

*Insurance products sold through or in the credit union are not insured by the National Credit Union Administration and are not issued, guaranteed, or underwritten by the credit union or the NCUA or any other federal government agency.

WCCU Loans

WCCU Mortgage | Local. Trusted. Simple.

Whether you are looking to purchase a home, refinance and existing home, or want to make a major purchase using the equity in your home, WCCU has a home loan just right for you. Let our Mortgage Specialist walk you through the options to make your home dreams a reality.

Home Mortgage:

Conventional Mortgages

Down payments as low as 3%

Local loan servicing – no outsourcing

Offering Fixed and Adjustable Rate Mortgages (ARMs)

NO balloons

No pre-payment penalties

Very competitive closing costs!

Portfolio Program with fixed-rate options

You are unique, so why expect a cookie-cutter mortgage to suit you? We will find the right plan for you to make your home-owning dream come true!

Secured Home Equity:

Wexford Community Credit Union offers competitive rates and loan terms on Secured Loans for major purchases. A Secured Loan might be the right choice for you if you have equity in your home, property, or another asset that can be used as collateral to secure the loan. Talk to our Mortgage Specialist about your options today! Financing for:

Apply Now!

WCCU has diverse loan option to suit your home buying needs. Whether you are choosing your first home or you have your eye on a dream vacation home, tell our Mortgage Specialist all about your vision and we will work with you to formulate just the right solution to make your dream a reality. Let’s get started today!

Vehicle Loans

If it has a clean title, we can finance it! The benefits of working with your credit union to secure your next vehicle loan are lower rates, fewer fees, and streamlined local loan processing. When in the market for a vehicle of any sort, be sure to check with us first.

Titled Vehicles (New and Used)

Boats

RVs

Campers

Motorcycles

UTVs

Large trailers (over 2,500 lbs.)

Classic cars

Untitled Vehicles (New and Used)

Snowmobiles

Mopeds

Small trailers (under 2,500 lbs.)

Tractors

Refinance Your Vehicle – If you have already made your purchase and have a loan, don’t worry about missing Wexford Community Credit Union’s great rates. Refinance with us today!

Signature Loans

Wexford Community Credit Union offers Signature (unsecured) Loans to help you pay for a variety of personal expenses: car repair, furniture, debt consolidation, medical expenses, and home improvements. A Signature Loan does not require collateral like some other loan types, but is instead secured based upon your credit history.

Share-Secured Loans

Having trouble establishing credit or getting a loan?

Share-Secured Loans are a nice solution for members who need to re-establish credit history or are having trouble getting credit. Since these loans are secured by a Share (Savings) account, it is offered at our lowest rate of interest.

Or do you have funds to cover a loan in savings, but you want to keep funds in savings? Share-Secured Loans are great for members who have enough funds in a savings account to cover a loan but do not want to use the Share (Savings) account. No need to withdraw your money; use it to secure the funds that you need, while you continue to earn interest on the funds in the savings.

Loan Details

Terms up to 48 months.

100% of loan balance will be secured with a Wexford Community Credit Union Share (Savings) account.

Visa Platinum Preferred

Our low interest WCCU Platinum Preferred VISA credit card is the one card you can afford to carry. It’s perfect for shopping, travel, and unexpected expenses. Take advantage of the low rate savings and convenience it offers for managing your cash flow. As an added bonus, you will be able to accrue points with each purchase with the Scorecard® Rewards program to use on travel, merchandise, or discounts.

All Wexford Community Credit Union Loan and VISA accounts are serviced locally. So if you need assistance, you can call the branch and talk directly to a WCCU Loan Officer. No more call center processing and long hold times.

*The Credit Union’s Standard Rates as of February 1, 2017 range from 7.50% APR to 18% APR. The rates are variable and may change. The rate you qualify to receive may vary depending on individual credit history and underwriting factors. All WCCU loan programs, rates, terms and conditions are subject to change at any time.

Applying for a VISA:

Provide proof of income – a copy of a recent paycheck stub, a copy of your W-2 form, or in cases of self-employment your last 2 years income tax return.

Would mailing in the application be more convenient for you? Click on the link to our Online Visa Application to download the application, complete the application, and remember to send proof of your income with the application.

More VISA Details:

Our VISA credit card is a revolving line of credit loan and requires interest to be paid on any unpaid balance.

If your Visa card was lost or stolen and it is after business hours, please call 1-800-991-4961.

Save Even More!

When you transfer the balances from your high rate credit cards to your Wexford Community Credit Union VISA you will save with our low fixed rate. Just bring in your last credit card statement for accounts you would like to transfer, and we’ll transfer the balance to your WCCU VISA account.

VISA Account Forms

*The Credit Union’s standard rates as of February 1, 2017 range from 7.50% APR to 18% APR. The rates are variable and may change. The rate you qualify to receive may vary depending on individual credit history and underwriting factors. All WCCU loan programs, rates, terms and conditions are subject to change at any time.

Loan Calculators

Note: These calculators are provided as a tool to estimate a loan payment, and results may not be reflective of your actual situation. The information provided is not a guarantee for a loan, nor serve as pre-approval for a loan. Please contact the Loan Department at 231-775-2081 or 231-839-2081 for actual loan information.

For your convenience you can download the forms below to assist with loan services.

Loan Documents

Join Today

Visit a WCCU branch, no appointment needed, and meet with a dedicated Member Services Representative who will be happy to share all the great benefits of membership and will help you get started today.